eWallet App
Development Company
eWallet app development services with KYC, virtual cards, and AI-powered features tailored to your business needs.
eWallet App Development Services We Offer
Open Wallets
Offer users total spending freedom by integrating with banks and major payment networks. Empower transactions with countless third-party merchants and services, effortlessly bridging online and in-store experiences.
Closed Wallets
Simplify payments within your ecosystem by enabling users to securely store and spend funds exclusively on your products or services. Our closed wallet solutions ensure smooth transactions, easy top-ups and refunds, and powerful analytics to help you track user activity.
Cryptocurrency Wallets
Securely store, send, and receive cryptocurrencies like Bitcoin, Ethereum, and other digital assets with ease. Our crypto wallet solutions seamlessly integrate with broader eWallet apps, effortlessly combining traditional currencies and crypto into one unified user experience.
Semi-Closed Wallets
Combine flexibility and control by allowing transactions within a selected network of merchants or approved locations. Perfect for business coalitions, campuses, or community-driven initiatives, semi-closed wallets empower focused spending while maintaining convenience and security.
Loyalty Wallets
Loyalty wallets are focused on storing and managing loyalty points, rewards, or gift cards. Itexus can incorporate loyalty program integration into your eWallet app or build standalone loyalty wallets that consolidate multiple loyalty cards in one place.
Contactless Wallets
Contactless wallets use technologies like NFC (Near Field Communication) or QR codes to enable payments without physical contact. In a contactless wallet app, users can simply tap their phone at a payment terminal or scan a QR code to pay, rather than swiping a card or handling cash.
Web and Mobile Wallets
We deliver both mobile wallet apps (for iOS, Android) and web-based wallets. Depending on your audience, you may need one or both platforms.
P2P Payment Apps
Instantly send and receive money between friends, family, or colleagues. Our P2P wallets support real-time transfers using phone numbers, email addresses, or personalized QR codes, making payments quick, simple, and hassle-free.
Digital Gift Cards
Digital gift card wallets allow users to store and use gift cards electronically. We develop gift card wallet features including balance tracking, easy redemption at checkout, and integration with point-of-sale systems for balance update after use.
PoS Payment Solutions
We develop digital wallet solutions that integrate with point-of-sale systems, enabling merchants to accept wallet payments in physical stores. Our PoS-focused eWallet apps include features for merchant QR generation, payment confirmation, and receipts, ensuring a smooth interaction between the mobile wallet and in-store sales system.
Banking Apps
Many banks and financial institutions now offer their own digital wallets or mobile banking apps with wallet-like features. We develop banking wallet apps that let your customers manage bank accounts, cards, and payments digitally.
Prepaid Wallets
Give users control over spending by allowing them to load funds in advance and spend securely until the balance runs out. Ideal for gifting, travel budgeting, or youth allowances, prepaid wallets provide convenience, spending discipline, and peace of mind.
eWallet We Developed
PCI DSS-compliant application ecosystem for Coinstar, a leading international fintech company with $2.2 billion in annual revenue. This ecosystem features web and mobile crypto wallets, embedded kiosk software, and a cloud-based API server, enabling users to trade cryptocurrencies and over 50 digital assets, make crypto payments, and link their bank accounts for fiat-to-crypto conversions.
A white-label mobile banking application for a Silicon Valley-based digital banking services provider.
A wealth management platform that connects investors with a professional wealth-advisory company, allowing investors to answer a questionnaire and receive either a recommended model portfolio or a custom-tailored individual portfolio — monitored, rebalanced, and adjusted by a professional wealth advisor based on changing market conditions and client goals.
AI-based data analytical platform for wealth advisers and fund distributors that analyzes clients’ stock portfolios, transactions, quantitative market data, and uses NLP to process text data such as market news, research, CRM notes to generate personalized investment insights and recommendations.
Typical eWallet Functionality Overview
A successful eWallet application needs a rich set of features to satisfy user expectations. Based on our fintech experience, we implement all the core features of modern eWallets and can extend them with custom innovations. Below are the fundamental features you can expect in an eWallet app developed by Itexus.
1. Registration & Login
We implement a seamless registration and login process. This includes social logins (sign-in via Google/Apple or social accounts) and support for biometric login like Fingerprint Scan or Face ID for quick, secure access
2. Sync Accounts
We implement a seamless registration and login process. This includes social logins (sign-in via Google/Apple or social accounts) and support for biometric login like Fingerprint Scan or Face ID for quick, secure access
3. Wallet-to-Bank Transfer
The Wallet-to-Bank option allows users to send money from their app account to either their own or to another person’s bank account or debit card.
4. Online Payments
The primary objective of eWallet apps is to provide users with time-saving and the easiest method of making secure multi-purpose payments thus this feature is a must. Enable users to pick their preferred method of transaction authentication – entering a PIN, fingerprint, retina scanning, etc.
5. Merchant Payments via Contactless Technologies
Using contactless technologies like NFC or QR code scanning allows in-store payments with digital wallets. Considering the emerging popularity of contactless payments and their comfort for users, this feature is requisite for an eWallet app’s success.
6. Send and Receive Funds
Sending money through an eWallet can be carried out via entering the recipient’s phone number or scanning the QR-code of the recipient’s app account. Receiving money is available through the same options, or a user can send a payment request to other app users.
7. Transaction History
This must-have feature enables users to check all of the previous transactions and see such details as the transaction amount value, the sender or recipient’s data, dates of payments, etc. It helps users to better track and manage their personal expenses.
8. Check Wallet Balance
Displays the real-time eWallet balance and linked bank account balance within the app.
9. Budgeting and Planning
Empowers users to grasp and analyze their spending habits and save more through planning their finances right in the app. Users can create categories for expenses and income, set a budget for different categories of expenses, get reminders when the bills are due, set saving goals, etc.
10. Backup Facility
This vital feature allows users to restore wallet data. The best practice is to provide multiple methods of data storage – e.g., syncing it with the Dropbox cloud, iCloud, via local WiFi connection, built-in email wallet backup feature, etc.
11. Balance Replenishment
Adding money to an eWallet from connected bank accounts, debit or credit cards, other digital wallets, etc.
12. Analytical Dashboards and Diagrams
This feature helps users to stay on top of their money and provides them with all the financial information across their accounts and credit cards through reports, figures, and diagrams.
13. Split Bill
This nice-to-have feature can turn into a competitive advantage for your eWallet app when it comes to splitting the payment with other people.
Want to develop an eWallet app?
We will help you! Share your thoughts and get your digital wallet live in three months. Let’s chat about your eWallet app vision.
What our clients say about us
Itexus delivered the app according to the requirements. The team met all development milestones and deliverables. They were efficient, friendly, and cooperative. Itexus team was very timely with updates, a regular meeting cadence, and ad-hoc questions and answers via Slack. The team was very responsive and still is.
Itexus’ work positions the business well for an imminent launch. They excel at managing their team, presenting frequent product demos to ensure that the project is aligned with development goals. An affordable price structure coupled with remarkable technical skill makes them an attractive partner.
The assigned team was easy to work with and they are especially strong collaborators and communicators. They demonstrated flexibility, professionalism, and trust in everything they did, and completed the work on time and budget.
Itexus excelled at both experimental AI and sprint-oriented UI/UX tasks. Itexus did strong project management work, too, a necessity in such a complicated project.
They’re a great group of developers who really understand the reality of business.
FAQs
How to develop an eWallet app?
Developing an enterprise-grade eWallet involves: – Planning & Research – Define business goals, analyze competitors, and ensure compliance (PCI DSS, KYC/AML, GDPR). – Choosing Tech Stack – Native (Swift/Kotlin) or cross-platform (Flutter/React Native), with a scalable backend (microservices, AWS, Azure). – UI/UX Design – Seamless navigation, fast onboarding, and intuitive payments. – Development – Secure APIs, real-time transactions, encryption, biometric authentication. – Testing & Security – Penetration testing, fraud detection, load testing. – Deployment & Support – Cloud hosting, monitoring, updates, feature improvements. Want a custom eWallet? Contact us for a free consultation.
How much does eWallet App Development cost?
How much does eWallet app development cost? Costs vary based on features, security, integrations, and compliance: Basic MVP: $30,000–$50,000 (Essential payments, P2P transfers, history). Mid-Tier App: $80,000–$150,000 (Multi-currency, budgeting tools, loyalty programs). Enterprise Wallet: $200,000+ (Banking integrations, crypto support, AI analytics, custom APIs). Some rough numbers you can find in this post.
How long does a mobile ewallet app development takes?
How long does it take to develop an eWallet app? Timelines depend on complexity and compliance requirements: MVP eWallet: ~4–6 months (Core features, simple UI). Full-Featured Wallet: ~9–12 months (Security audits, multi-platform, advanced integrations). Enterprise Solution: 12+ months (Banking-grade security, blockchain, scalability). Need a faster launch?. Contact us to get an accurate estimation of the time needed for the development of the mobile wallet app.
Do you work with integrations?
Yes! We integrate eWallets with banks, card networks (Visa, Mastercard), payment gateways (PayPal, Stripe), open banking APIs, and fraud prevention systems.
Do you provide post-launch support?
Yes, we provide 24/7 support, security updates, performance monitoring, and feature enhancements to keep your eWallet ahead of competitors.
Do you sign NDA and NC agreements?
Yes, we are comfortable with signing legal contracts. We can either sign your contract or draw up, sign, and send you ours.
Do you have experience in eWallet app development?
Yes, as an ewallet app development company we’ve got vast experience in delivering digital wallet solutions. Check out our FinTech portfolio.
How to Choose the Best eWallet App Development company?
To choose eWallet app development company, consider their experience with similar projects, check client reviews and testimonials, assess their technical expertise and design capabilities, review portfolio, ensure they understand your business requirements and compare pricing and support services. Effective communication and a transparent development process are also essential in choosing app development company to work with.
I have a ewallet app idea. What should I start with?
First of all, contact our team to discuss ewallet software development. The next step depends on whether you have the product vision and detailed requirements. If no, the development of your eWallet is advisable to be started with the discovery phase.
Let’s discuss how we can help with your project
and we’ll get back to you within 24 hours to sign the NDA and discuss the next steps.
with a team of expert software architects, fintech analysts, and UI/UX designers.
including software architecture, functionality, UI/UX design, and a detailed cost estimate with a feature-by-feature breakdown.
If you like the proposal, we’ll sign the contract and start development within 1-2 weeks, and get your MVP live in 3-4 months.